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Hi all - new here today, I'm in need of some help regarding a letter I've received today. I'm aware there's a few threads about BC on the site, but I'm hoping I can get a bit of help with mine.
Today I got a letter from Bryan Carter saying they will be issuing litigation proceedings in the county court, and I'll receive the claim in the next 48 hours. They're acting on behalf of Lowell Financial and telling me they have these fees added on top of the balance.
I have looked at my credit report and I can see a listing on there from Lowell Portfolio 1 Ltd, with the start date being 25/04/2007, the account was then defaulted on 10/05/2010 (and was last updated on my record on the 17/09/2013).
I wouldn't say I have much disposable income to get this sorted, if any, but also I don't know what the debt is referring to either.
I would like to start start a way of getting this sorted. I don't really fancy going to court, or paying back money that has come from ridiculous interest fees and charges, plus I would be able to get to sleep at night. I mucked about with credit when I was younger, and I'm guessing this is from my younger days. I'm certainly more sensible now but as this is my first time of having things like this against me, I would really appreciate some help with this matter so I can stop worrying and maybe relax a bit.
Sorry if this is a regular occurrence on the board, I do apologise but any help on how to get started and what my steps are would be a massive help.
Today I got a letter from Bryan Carter saying they will be issuing litigation proceedings in the county court, and I'll receive the claim in the next 48 hours. They're acting on behalf of Lowell Financial and telling me they have these fees added on top of the balance.
I have looked at my credit report and I can see a listing on there from Lowell Portfolio 1 Ltd, with the start date being 25/04/2007, the account was then defaulted on 10/05/2010 (and was last updated on my record on the 17/09/2013).
I wouldn't say I have much disposable income to get this sorted, if any, but also I don't know what the debt is referring to either.
I would like to start start a way of getting this sorted. I don't really fancy going to court, or paying back money that has come from ridiculous interest fees and charges, plus I would be able to get to sleep at night. I mucked about with credit when I was younger, and I'm guessing this is from my younger days. I'm certainly more sensible now but as this is my first time of having things like this against me, I would really appreciate some help with this matter so I can stop worrying and maybe relax a bit.
Sorry if this is a regular occurrence on the board, I do apologise but any help on how to get started and what my steps are would be a massive help.
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